The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$103,434
−HK$6,487/mo
▼ 0.25% · 3.875%
HK$106,652
−HK$3,269/mo
Today · 4.125%
HK$109,921
baseline
▲ 0.50% · 4.625%
HK$116,609
+HK$6,688/mo
Deposit HK$22.68M · loan HK$22.68M · min. income ≈ HK$219,842/mo (50% DSR)
Upfront cash ≈ HK$24.61M (deposit + AVD stamp duty HK$1,927,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,070
−HK$6,216/mo
▼ 0.25% · 3.875%
HK$118,156
−HK$3,130/mo
Today · 4.125%
HK$121,286
baseline
▲ 0.50% · 4.625%
HK$127,680
+HK$6,394/mo
Deposit HK$22.68M · loan HK$22.68M · min. income ≈ HK$242,572/mo (50% DSR)
Upfront cash ≈ HK$24.61M (deposit + AVD stamp duty HK$1,927,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,121
−HK$7,784/mo
▼ 0.25% · 3.875%
HK$127,982
−HK$3,923/mo
Today · 4.125%
HK$131,905
baseline
▲ 0.50% · 4.625%
HK$139,931
+HK$8,026/mo
Deposit HK$18.14M · loan HK$27.22M · min. income ≈ HK$263,810/mo (50% DSR)
Upfront cash ≈ HK$20.07M (deposit + AVD stamp duty HK$1,927,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,084
−HK$7,460/mo
▼ 0.25% · 3.875%
HK$141,787
−HK$3,757/mo
Today · 4.125%
HK$145,544
baseline
▲ 0.50% · 4.625%
HK$153,216
+HK$7,672/mo
Deposit HK$18.14M · loan HK$27.22M · min. income ≈ HK$291,088/mo (50% DSR)
Upfront cash ≈ HK$20.07M (deposit + AVD stamp duty HK$1,927,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,808
−HK$9,081/mo
▼ 0.25% · 3.875%
HK$149,312
−HK$4,577/mo
Today · 4.125%
HK$153,889
baseline
▲ 0.50% · 4.625%
HK$163,253
+HK$9,364/mo
Deposit HK$13.61M · loan HK$31.75M · min. income ≈ HK$307,778/mo (50% DSR)
Upfront cash ≈ HK$15.54M (deposit + AVD stamp duty HK$1,927,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,097
−HK$8,704/mo
▼ 0.25% · 3.875%
HK$165,418
−HK$4,383/mo
Today · 4.125%
HK$169,801
baseline
▲ 0.50% · 4.625%
HK$178,752
+HK$8,951/mo
Deposit HK$13.61M · loan HK$31.75M · min. income ≈ HK$339,602/mo (50% DSR)
Upfront cash ≈ HK$15.54M (deposit + AVD stamp duty HK$1,927,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$186,182
−HK$11,675/mo
▼ 0.25% · 3.875%
HK$191,973
−HK$5,884/mo
Today · 4.125%
HK$197,857
baseline
▲ 0.50% · 4.625%
HK$209,896
+HK$12,039/mo
Deposit HK$4.54M · loan HK$40.82M · min. income ≈ HK$395,714/mo (50% DSR)
Upfront cash ≈ HK$6.46M (deposit + AVD stamp duty HK$1,927,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$207,125
−HK$11,191/mo
▼ 0.25% · 3.875%
HK$212,680
−HK$5,636/mo
Today · 4.125%
HK$218,316
baseline
▲ 0.50% · 4.625%
HK$229,823
+HK$11,507/mo
Deposit HK$4.54M · loan HK$40.82M · min. income ≈ HK$436,632/mo (50% DSR)
Upfront cash ≈ HK$6.46M (deposit + AVD stamp duty HK$1,927,835 · Scale 2, in force from 26 Feb 2026)